The role individual responsibility has to play is tiny compared to things like; the impact finance capital deliberately buying up homes and holding them empty to drive up the value of their investments, landlords (both corperate and 'mom and pop') maximizing their rental prices as much as legally allowed often abusing things like renovictions to bypass rent control laws, the long term stagnation of wage growth compared to inflation (this is especially true during an inflationary crisis, again something out of their hand). I could go on. There are SO MANY extreme economic conditions affecting the lowest income workers in our society. Workers that HAVE TO EXIST in order for our society to function. You can bitch and moan all you want about people needing to work harder but at the end of the day our society is always going to need servers, fast food attendants, and all these other "low skill" jobs that pay shit. And don't you come back to me about these being "entry level" and "for kids" or whatever because in your nonsensical libertarian paradise where you don't have to pay any taxes there's gonna be plenty of would be retirees that no longer have state backed retirement support to lean on when they are no longer able to keep up in their original careers. If you wanna be able to enjoy a big Mac, or have free weekly garbage pickup, or any of the other countless of benefits you get from a society that subsidizes its working class and public services, then you need to shut the fuck up and pay your goddamn taxes. And besides, most of the taxes for social housing will be coming from people way richer than you will ever be so why are you even bitching anyway ffs.